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Fixed Indexed Annuity

Athene Performance Elite 10

Athene Annuity and Life Company

5.5%

Best Cap

5%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate

5.5% cap on S&P 500

A long-surrender, A+ rated growth-focused fixed indexed annuity that pairs a published premium bonus (vesting years seven through eleven) with a broad index menu including a recognizable S&P 500 annual point-to-point cap, no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing rollover or non-qualified money to a full ten-year deferral who want a meaningful up-front premium bonus, a wide proprietary-index menu to allocate across, and at least one recognizable S&P 500 cap as a like-for-like comparison point — and who do not need a guaranteed lifetime withdrawal rate from this contract.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

5%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.5% cap rate

S&P 500

S&P 500 Index

8% cap rate

Fixed Account

Fixed Account

2.9% declared rate

+ 24 volatility-controlled index options (BNP Paribas, Nasdaq FC, AI Powered...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Contract pays a published premium bonus credited to the account value on day one — one of the larger up-front bonuses available on a current-issue fixed indexed annuity from a top-rated carrier, useful for a buyer rolling a known dollar amount in and willing to wait out the full deferral. The exact bonus percentage and its vesting schedule are visible directly on this page.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against every other FIA on this site rather than only proprietary participation strategies.
  • Index lineup is unusually broad for a single contract — seven distinct index families, including BNP Paribas MAD 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, an S&P 500 decrement variant, and the standard S&P 500 — each available in both an annual and a two-year crediting cadence, and each offered in both a no-fee and a fee-bearing form so a buyer can weigh whether the higher rate justifies the allocation charge inside one contract.
  • Athene Annuity and Life is A+ rated by A.M. Best, the second-highest rating tier, so the carrier strength view on this page comes from a recognized agency.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the no-MVA flag, and the nursing-home, RMD, and terminal-illness waivers are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • Surrender period runs the full ten years, and the published premium bonus is structured to vest in equal steps starting in year seven — a buyer who exits before year seven loses the entire bonus, and any exit before year eleven forfeits part of it. Read the bonus vesting column on the page before treating the headline bonus number as money in hand.
  • Most of the index options are proprietary volatility-controlled or excess-return indexes whose participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap. Several have shorter live-track histories than the S&P 500 itself — evaluate each strategy on its own merits.
  • The fee-bearing parallel strategies carry a published annual allocation charge that is deducted regardless of index performance. A higher participation or cap on a fee-bearing strategy is not directly comparable to a no-fee strategy at the same headline rate — read the fee column on the strategy table before reading the rate.
  • This contract has no lifetime income rider in the current data — Performance Elite 10 is built for accumulation, not guaranteed lifetime withdrawals. A buyer who needs a contractually guaranteed lifetime payout should look at a rider-led product instead.
  • The standard death benefit on this contract pays cash surrender value rather than account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity inside the first six years, plan to exit before the year-seven bonus vesting starts, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (54 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 185% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

10-yr surrender

Par: 150% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · participation

10-yr surrender

Par: 135% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 135% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

10-yr surrender

Par: 135% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

10-yr surrender

Par: 110% · 1-yr

Nasdaq FC Index

Strategy Fee Included · participation

10-yr surrender

Par: 107% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 95% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 95% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 85% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 77% · 1-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 60% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender

Cap: 8% · 1-yr

S&P 500 Index

Strategy Fee Included · cap

10-yr surrender

Cap: 5.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.9% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 255% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

10-yr surrender

Par: 195% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · participation

10-yr surrender

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 180% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

10-yr surrender

Par: 180% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

10-yr surrender

Par: 170% · 2-yr

Nasdaq FC Index

Strategy Fee Included · participation

10-yr surrender

Par: 140% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 125% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 125% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 120% · 2-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 115% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 80% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender

Par: 185% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 150% · 1-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 135% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 135% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 135% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 110% · 1-yr

Nasdaq FC Index

Strategy Fee Included

Par: 107% · 1-yr

AI Powered US Equity Index

Par: 95% · 1-yr

AI Powered Global Opportunities Index

Par: 95% · 1-yr

UBS Innovative Balanced Index

Par: 85% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included

Par: 77% · 1-yr

Nasdaq FC Index

Par: 60% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Cap: 8% · 1-yr

S&P 500 Index

Strategy Fee Included

Cap: 5.5% · 1-yr

S&P 500 Index

Fixed: 2.9% · 1-yr

Fixed Account

Par: 255% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 195% · 2-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 180% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 180% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 170% · 2-yr

Nasdaq FC Index

Strategy Fee Included

Par: 140% · 2-yr

AI Powered US Equity Index

Par: 125% · 2-yr

AI Powered Global Opportunities Index

Par: 125% · 2-yr

UBS Innovative Balanced Index

Par: 120% · 2-yr

Nasdaq FC Index

Par: 115% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included

Par: 80% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Premium bonus

20%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8.3%

Yr 2

8%

Yr 3

7.1%

Yr 4

6.2%

Yr 5

5.3%

Yr 6

4.4%

Yr 7

3.5%

Yr 8

2.6%

Yr 9

1.6%

Yr 10

0.9%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene Performance Elite 10 brochure pdf 2.pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Athene Performance Elite 10 currently shows 27 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER, with 20 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.5% cap
  • S&P 500 Index: 8% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 60% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 5%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Athene Performance Elite 10 brochure pdf 2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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